I think 2 good points were made. Speaking from experience I went to the US to finish off and had all exams.
1). Get the exams. Other wise you will have a hard 3 weeks.
2). Do some hours in the UK. One of you may find you do not like the pilot stuff as much as you first thought. I feel you are taught the basics in less of a rush in the UK and I found my first 5 hours really counted right through. Before I start a debate of UK v US I am saying that they only have 21 days to get you passed so have to assume a quicker uptake of knowledge. I am not saying the UK is better or worse than the US. Sorry I do not want to start US v UK debate again............
Florida is great though and I am sure you will have a great time. Airfields are excellent and the mentality towards flying is very different, much more relaxed and the norm.
Have fun, get flying and get a tan. God I must go back soon